Pets Best | Pet Insurance Review

I have been with Pets Best for approx. 1 1/2 years insuring 1 dog. We rescued a 9 year old Papillon and added the dog to the policy. We did receive some medical records from the rescue group which contained, vaccinations, blood work, examinations, surgery for teeth and spaying and I had my vet's exam for the dog. These records were uploaded. I was concerned about future claims being denied for lack of complete medical records so I called customer service for clarification. The response was less than reassuring, they would have to wait to see a claim and then evaluate. While I can understand this answer somewhat, I said it is difficult for a pet owner to continue to pay premiums for perhaps years and then be denied a claim for lack of medical records. I would like Pets Best to clarify their policy provisions for rescue dogs. "Other than the canned response we have to wait to see a claim"

Claims process went smoothly using mobile app. Quick response as to status of claims and refund sent.

It took Pet's Best 2 months to settle my claims once my cat died. And my 80% reimbursement rate turned out to actually only be about 58%, thanks to Pet's Best's "fuzzy math" system. I may or may not purchase pet insurance once I get my next cat, but you can rest assured that I won't purchase that policy through Pet's Best. Thanks for the "education" - let the buyer beware!

It was easy to submit a claim along with whatever documentation I had and needed to upload. Customer service communicated their actions to me about reaching out to my vet’s office for supporting documents. I received an email once the claim was processed with the amount I’m supposed to be reimbursed. The whole process was easy and seamless

Customer service representative was patient and kind. However, a 42% increase from $478.97 to $681.54--a $200+ increase in one year is outrageous for a 6 year old dog who has, until last year, had zero claims. For the past 5 years, price increases have been minimal ($20-$50/yr). If I could go to another insurance company with my dog's preexisting condition I would (hypothyroid). This past year was the 1st year in 5 that I have even submitted anything and it was very minimal. I get it--I get reimbursed approx $200 and I get an increase for the same amount. The customer service rep said that my claims were not the cause of the increase. I'm on multiple dog groups and I haven't heard anyone else having his/her rates increased.